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What is an 'examination under oath' (EUO) in claims handling?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

A formal proceeding in which the insurer, often through an attorney, questions the insured under oath about a claim, used when the policy permits it and circumstances warrant deeper investigation

  1. A A medical exam
  2. B A premium audit
  3. C A formal proceeding in which the insurer, often through an attorney, questions the insured under oath about a claim, used when the policy permits it and circumstances warrant deeper investigation
  4. D A property appraisal

Why this is the answer

An examination under oath (EUO) is a formal investigative tool in which the insured is questioned under oath — typically by the insurer's attorney, with a court reporter present — about the details of a claim. Many policies contain a provision requiring the insured to submit to an EUO as a condition of coverage when requested. EUOs are generally used in larger, complex, or potentially questionable claims where the insurer needs sworn testimony to complete its investigation. The insured's cooperation with a properly requested EUO is usually a policy condition. Understanding the EUO as a sworn-testimony investigative tool is standard adjuster content.
Source: NAIC Adjuster, Examination Under Oath

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About this topic: Claim Investigation

Claim investigation questions cover gathering evidence, taking statements, inspecting damage, establishing coverage and cause of loss, and spotting fraud indicators — while meeting the time limits set by unfair-claims-practice rules. This is one of 10 Insurance Adjuster questions on claim investigation, each with a full explanation on a single study page.

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